The Finance Geeks Podcast

Following on from Part 1, Warren Shute and Paul Cleworth move from understanding the challenges of the sandwich generation to exploring practical ways of managing them. From prioritising your own financial wellbeing to balancing the needs of children, ageing parents and retirement, they discuss how thoughtful planning can help reduce the financial, emotional and time pressures that so many families face. The conversation covers cash flow planning, budgeting, gifting strategies, estate planning, and the importance of involving the whole family in financial discussions. Warren and Paul also explain why paying yourself first, setting realistic boundaries and having a clear written financial plan can make all the difference. Whether you're living the reality of the sandwich generation or helping clients navigate it, this episode offers practical ideas to help build confidence, reduce stress and create a stronger financial future. ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ==========================

Supporting children while caring for ageing parents has become a reality for many families. This is the first of a two-part series. In this episode of The Finance Geeks, Warren Shute and Paul Cleworth unpack the growing challenges faced by the sandwich generation, exploring how more people than ever are finding themselves squeezed between two generations of family responsibility. They examine the financial strain, emotional pressures and time commitments that come with supporting ageing parents while helping children find their own footing. With retirement plans often becoming the filling in the middle, it's easy for your own financial future to be overlooked as the demands from both sides continue to grow. Drawing on real-life experiences and conversations with clients, Warren and Paul explore why this balancing act has become one of the defining financial challenges of modern family life. Whether you're experiencing it yourself or advising families who are, this episode takes a closer look at the realities of being caught in the middle. The conversation continues in Episode 13, where Warren and Paul explore practical financial planning strategies to help families navigate the challenges of the sandwich generation while keeping their own retirement plans on track. ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ==========================

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth continue the conversation in part two of their deep dive into the 2027 pension and inheritance tax changes. If part one set the scene, this episode explores what happens when those changes start to interact — and where the real impact begins to show for financial planning. They take a closer look at how pensions, inheritance tax and wider estate strategies don’t operate in isolation, and why these changes can create knock-on effects across an entire financial plan. Like bumper cars colliding, one adjustment can send ripples through everything else. Warren and Paul discuss how different elements — from trusts and gifting to income strategies and asset positioning — can influence each other under the new rules. As always, the focus is on clarity and control. This episode looks at how planners can navigate these moving parts with confidence, helping clients avoid unintended consequences while making the most of the opportunities available. The message is simple: when the rules start to collide, thoughtful planning becomes more important than ever. ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ==========================

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth kick off the first part of a two-part conversation, unpacking the upcoming pension and inheritance tax changes arriving in April 2027 and why they matter more than many people realise. With the rules around pensions and estate planning set to shift, they explore what’s changing and how it could impact the way wealth is passed on to the next generation. They break down the key implications for financial planning, from how pensions may be treated within an estate to the knock-on effects for inheritance tax. Along the way, they discuss practical strategies planners can start thinking about now, including contribution planning, tax efficiency and the role of tools like trusts, life insurance and alternative income strategies. 2027 might feel a long way off, but when it comes to tax planning, the earlier you start, the more options you have. This is part one of a two-part episode. ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ==========================

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth climb aboard the markets at cruising altitude to tackle a question that always comes up when things are flying high: should investors be worried? With headlines shouting about record levels, it’s easy to feel like a drop could be just around the corner. But is that fear justified, or are investors simply reacting to being at new heights? They unpack what all-time highs really mean and why reaching new levels is often just part of the journey rather than a signal to change course. Like a hot air balloon, markets are influenced by a range of forces, from economic conditions to investor sentiment. Looking back at previous peaks, Warren and Paul explore what actually caused downturns and why trying to time the market can often create more problems than it solves. As always, the focus is on staying steady rather than reacting to every gust of wind. This episode looks at how investors can maintain balance through diversification, phased investing and a clear understanding of their own risk tolerance. The message is simple: markets will rise and fall, but long-term success comes from staying disciplined and focused on the bigger picture. ========================== Chapters: 0:00 - Intro 6:03 - Markets at All-Time Highs: Should Investors Be Worried? ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ==========================

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth explore how financial planning goes far beyond numbers. They discuss the importance of aligning wealth with what truly matters to clients, helping them build a life of purpose, not just a bigger portfolio. Whether someone is early in their career or approaching retirement, the question remains the same: what is all this for? The conversation introduces the idea of a “Money Map” as a way to guide clients through deeper thinking about their goals, values and future. By encouraging more intentional thinking and better conversations, it becomes possible to design a future that delivers both financial security and genuine fulfilment. ========================== Chapters: 0:00 - Intro 7:12 - The Money Map: What Money Really Means to Us ========================== Show Notes: Money Map PDF https://www.dropbox.com/scl/fi/d28c0y4wxql2juvk1fsj5/Your-Money-Map-Presentation-AL-v1.pdf?rlkey=urqrsudz5meq6mtdb14b0zcb9&dl=0 Naval Ravikant https://en.wikipedia.org/wiki/Naval_Ravikant StoryTerrace - Books That Matter https://www.storyterrace.com/en-gb George Kinder: Father of Life Planning, Author, and Keynote Speaker https://www.georgekinder.com/ How To Sell Transformation Using This One Question | Strategic Coach https://www.strategiccoach.com/resources/the-multiplier-mindset-blog/how-to-sell-transformation-using-this-one-question ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ==========================

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth explore how artificial intelligence is starting to reshape the financial planning profession. From speeding up research to improving efficiency, they break down where AI is already making an impact and why it’s becoming harder for planners to ignore. The conversation looks at both sides of the equation. On one hand, AI can automate repetitive tasks, enhance client communication and support better decision-making. On the other, there are real concerns around accuracy, bias and over-reliance on technology. Warren and Paul discuss where AI adds genuine value and where human judgement still plays a critical role. As always, the focus is on practical insight. They explore how financial planners can use AI responsibly without losing the personal touch that clients rely on. The result is a balanced look at a fast-moving topic, helping listeners understand not just what AI can do, but what it should do in the world of financial advice. ========================== Chapters: 0:00 - Intro 5:37 - AI & Financial Advice: Friend or Foe? ========================== Show Notes: What Is AI – and Should You Be Worried About It? https://tandemfinancial.co.uk/tandem-thinking/what-is-ai-and-should-you-be-worried-about-it/ Learn How to Use AI – Planning Your Adventure https://planningyouradventure.co.uk/educational/learn-how-to-use-ai/ A Guide to AI https://www.dropbox.com/scl/fi/t0s9k8vjbm1bf210xkzw8/Tandem-AI-Guide-April-2026.pdf?rlkey=8fohfjpu8y0ybcg75cf2yjqbu&dl=0 ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ==========================

In this episode of The Finance Geeks, Paul and Warren dive into what is described as one of the hardest challenges in financial planning: helping people move from building wealth to actually enjoying it. While accumulation is often driven by clear goals, structure and habit, the shift to spending and living can feel far less certain. The conversation explores why this transition is so difficult, and why many people struggle to let go of the behaviours that helped them succeed in the first place.  They unpack the mindset and emotional barriers that can hold people back, from deeply ingrained saving habits to uncertainty around what “enough” really looks like. Along the way, they share practical ways to guide this transition, including encouraging new experiences, redefining purpose beyond work, and helping clients build routines that support a fulfilling lifestyle. The idea of life’s limited window is a key theme, highlighting the importance of making the most of time rather than endlessly deferring enjoyment. ========================== Chapters: 0:00 - Intro 6:14 - Accumulation to Enjoyment - The Hardest Transition in Finance ========================== Show Notes: TED Talk from Prof Riley Moyes https://tandemfinancial.co.uk/videos/video-4-x-phases-of-retirement/ 12 Questions https://www.dropbox.com/scl/fo/ow4hhaevhdd0t5yi5kjva/AFD0dN6GKYCL4uo6P7d_coY?rlkey=936myhkbs7oxvwbvxst3zbut2&dl=0 Black Tap restaurant https://blacktap.com/restaurant-menu/london-soho/ National Maritime Museum – Greenwich https://www.rmg.co.uk/national-maritime-museum ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ==========================

In this special episode of The Finance Geeks, Paul and Warren bring a live session recorded in collaboration with the Personal Finance Society, delivering the kind of high-energy, practical discussion they’re known for. Drawing on decades of experience building successful financial planning businesses, they share what’s helped them generate strong growth while still maintaining a genuine balance between work and life. The conversation focuses on three key areas that underpin long-term success. First, mindset – covering beliefs, confidence, attitude and understanding the deeper “why” behind both personal and business decisions. Then planning – looking at the importance of having clear, structured plans, supported by the right systems, processes and people around you. And finally, action – because even the best ideas only work if they’re implemented consistently and with intent. Packed with practical insights and straight-talking advice, this episode is all about helping you move forward with clarity and purpose. Whether you’re refining your business, looking to improve your day-to-day effectiveness, or simply aiming for a better balance, Paul and Warren share the lessons, habits and thinking that have helped them build both fulfilment and long-term success.

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth break down the formula behind why intelligent people often make poor financial decisions. They explore the key ingredients, including ego, overconfidence and hindsight bias, and how these can distort even the most rational thinking. The conversation looks at how behavioural factors like recency bias, anchoring and herd behaviour influence decisions, particularly in changing markets. They also examine the emotional side of investing, from regret and loss aversion to the constant urge to act, even when patience is often the better formula. Warren and Paul share practical insights to help investors and advisers recognise these patterns and make more disciplined decisions. By understanding what goes into the mix, it becomes easier to avoid costly mistakes and focus on better long-term outcomes. ========================== Chapters: 0:00 - Intro 7:13 - Why do smart people make bad money decisions? ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ==========================